This gives you a 70/30 split between large cap and small/mid cap which is a good representation of Total Stock, and a 60/40 domestic/international breakdown which is what Vanguard believes is the most efficient breakdown for US vs international.

Your 401k is awesome, but also strange. You have a few really awesome options and then a whole bunch of dog $#!%.

I would also just do 100% VINIX, depending on how my overall portfolio looked. Wait a few years and then evaluate my overall situation. If you are just starting out, focus on saving, saving, saving.

Yeah - Thanks this 401K is just a part of my total asset allocation across multiple accounts. I have other investment accounts (Roth IRA, taxable investment accounts, HSA) where I can adjust my total asset allocation for my portfolio. I'm pretty aggressive right now with 100% stocks asset allocation or 90% stock / 10% bond asset allocation since I'm fairly young (30) and having a pretty high savings rate.

This gives you a 70/30 split between large cap and small/mid cap which is a good representation of Total Stock, and a 60/40 domestic/international breakdown which is what Vanguard believes is the most efficient breakdown for US vs international.

Your 401k is awesome, but also strange. You have a few really awesome options and then a whole bunch of dog $#!%.

Thanks, I was trying to follow JL collins stock series and he said I probably don't need to invest in international but I do see the benefit of having some international exposure.

Could you and radram pick/tell me which funds are awesome? I'm not that very good at it. . . I was honestly just looking at the expense ratios / low fee funds. . . The management service wanted me to invest in the Target Date Fund and I decided to cancel the service and do it on my own.

Could you and radram pick/tell me which funds are awesome? I'm not that very good at it. . . I was honestly just looking at the expense ratios / low fee funds. . . The management service wanted me to invest in the Target Date Fund and I decided to cancel the service and do it on my own.

You're welcome. Glad I could help.

Awesome = the low cost well diversified funds. VINIX, VEXAX, and VTIAX all meet that criteria. Your other fund options are pretty expensive.

Could you and radram pick/tell me which funds are awesome? I'm not that very good at it. . . I was honestly just looking at the expense ratios / low fee funds. . . The management service wanted me to invest in the Target Date Fund and I decided to cancel the service and do it on my own.

You're welcome. Glad I could help.

Awesome = the low cost well diversified funds. VINIX, VEXAX, and VTIAX all meet that criteria. Your other fund options are pretty expensive.